Privacy Policy

Last Updated: January 1, 2026

Wealth Revenue Group ("we", "our", "us") is a financial services firm headquartered at 1165 Radar Hill Rd, Honolulu, Hawaii 96819, USA. We are committed to protecting the privacy and security of every client and visitor to our website at https://www.healthylivingnest.com/.

This Privacy Policy describes how we collect, use, disclose, and safeguard your personal and financial information in compliance with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable U.S. federal and state privacy laws.

1. Information We Collect

1.1 Information You Provide Directly

• Identification Data: Full name, date of birth, Social Security Number (last four digits), government-issued ID.
• Contact Data: Email address, phone number, mailing address, state of residence.
• Financial Data: Income, net worth, investment holdings, tax returns, credit reports, loan and mortgage documentation, insurance policies.
• Account Data: Username, password (hashed), security questions.
• Communication Data: Messages, call notes, meeting recordings (with consent), and emails you send us.

1.2 Information Collected Automatically

• Device & Usage Data: IP address, browser type, operating system, referring URLs, pages viewed, time spent, click patterns.
• Cookies & Pixel Tags: Session cookies, analytics cookies, advertising pixels (Google Analytics, Meta Pixel).

2. How We Use Your Information

• To provide wealth management, lending, tax, and insurance services you request.
• To verify your identity and comply with KYC/AML regulations.
• To communicate with you about your accounts, transactions, and market updates.
• To send newsletters, alerts, and promotional material (with opt-out at any time).
• To improve our website, products, services, and client experience.
• To detect, prevent, and respond to fraud, security incidents, and illegal activity.
• To comply with legal, regulatory, and audit obligations.

3. Legal Basis for Processing (CCPA/CPRA)

Under California law, we collect and process personal information for the business and commercial purposes listed above. We do not sell your personal information, and we have not sold personal information in the preceding 12 months.

4. Sharing of Information

We share your information only in the following circumstances:

• Service Providers: Custodians (Schwab, Fidelity), credit bureaus, tax software providers, payment processors, CRM/Email platforms — all under written contracts prohibiting unauthorized use.
• Affiliates & Partners: Insurance carriers, lenders, and CPAs — only with your explicit consent.
• Legal Compliance: When required by law, court order, regulator, or to protect rights, property, or safety.
• Business Transfers: In connection with a merger, acquisition, or sale of assets — subject to confidentiality obligations.

5. Data Retention

We retain your personal information for as long as your account is active, plus the period required by SEC, IRS, FINRA, and state record-keeping rules (typically 6–10 years after account closure). After this period, data is securely destroyed or anonymized.

6. Data Security

• 256-bit AES encryption in transit (TLS 1.3) and at rest.
• SOC 2 Type II audited infrastructure and vendors.
• Multi-factor authentication for all internal access.
• Segregated custodial accounts — we never hold client funds directly.
• Annual penetration testing and continuous security monitoring.
• Employee training on GLBA, privacy, and information security.

7. Your Rights

Depending on your state of residence, you may have the right to:

• Access: Request a copy of the personal information we hold about you.
• Delete: Request deletion of your personal information (subject to legal retention).
• Correct: Request correction of inaccurate information.
• Opt-Out: Unsubscribe from marketing emails at any time via the unsubscribe link or our Unsubscribe page.
• Limit Use of Sensitive Data: Restrict the use of sensitive personal information under CPRA.
• Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise any right, email info@wealthrevenuegroup.com or call (808) 206-8202. We will verify your identity before responding, typically within 30 days.

8. Cookies Policy

We use the following categories of cookies:

• Essential: Required for site functionality (login, forms, security).
• Analytics: Help us understand how visitors use the site (anonymized).
• Marketing: Used to deliver relevant financial content (opt-out anytime).

You can control cookies via your browser settings. Disabling essential cookies may limit site functionality.

9. Children's Privacy

Our services are intended for individuals aged 18 and older. We do not knowingly collect personal information from minors. If you believe a minor has provided us data, please contact us for prompt deletion.

10. Third-Party Links

Our website contains links to third-party sites (e.g., custodians, carriers, regulators). We are not responsible for their privacy practices and encourage you to review their policies.

11. Financial Privacy Notice (GLBA)

Under the Gramm-Leach-Bliley Act, we are required to disclose our policies regarding the sharing of nonpublic personal information (NPI). We do not share NPI with non-affiliated third parties for marketing purposes. You will receive a separate annual privacy notice as required by law.

12. International Users

Our services are designed for U.S. residents. If you access our site from outside the United States, your information will be processed in the U.S. and subject to U.S. law.

13. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or a prominent notice on our website. The "Last Updated" date reflects the most recent revision.